Support for exercise can come from three different places: your health insurer, your employer, or a card such as MultiSport. Each option works differently. This guide reflects the position checked on 18 August 2026 and, above all, the process that should still be useful even if the amounts change.
Three sources of support, three different sets of rules
A health insurer usually does not pay for membership upfront. From its prevention fund, it reimburses part of an eligible expense afterwards if you meet the scheme conditions. An employee benefit, by contrast, is set by the company: it may be a benefits wallet, direct payment, or a card with a partner network. MultiSport is a specific employee product, not a general term for all contributions.
That is why it makes sense to start with the question: “Who am I claiming the benefit from?” Only then should you look at the amount. The most common mistakes come from mixing up schemes, buying a non-eligible service, or using a proof of purchase that is too old.
What selected insurers offer in 2026
Insurer schemes can change during the year. The table below is not a promise of reimbursement, but a guide based on the official conditions checked as of the article update date. Before buying, open the detail page for your insurer’s scheme.
| Insurer | Scheme in 2026 | What to watch out for |
|---|---|---|
| VZP | Up to CZK 500 for exercise activities or dental hygiene | Age 18–65, a preventive check-up in the last 24 months and proof no more than 6 months old. Apply only via Moje VZP by 31 December; single entries and MultiSport are excluded. |
| ČPZP | CZK 700 for regular exercise | Preventive check in the last 24 months; receipts of at least CZK 1,500 (CZK 1,000 from age 66), newest no more than 3 months old. Deadline 30 November; MultiSport excluded. |
| OZP | Contribution based on the number of credits in VITAKARTA on a 1:1 basis | It is not a fixed amount for everyone; it depends on your credit balance and the current coupon offer. |
| RBP | Up to CZK 700 under the my213 motivational scheme, no more than 50% of an eligible pass | Active my213 use, a preventive check in the last 24 months and app-only filing. One-day passes, dance and kickboxing are excluded. |
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Five conditions to check before you pay
The amount in a scheme headline is only the starting point. What matters more is whether your specific purchase is eligible. One scheme may accept a gym pass, another a regular course, but reject a single entry, massage or sports equipment.
Ask for your proof of purchase to be issued in a way that makes it clear what service you are paying for. Generic wording such as “services” can create unnecessary complications during checks. At the same time, do not buy an expensive product just for the contribution: even after the benefit is deducted, it should still match how often you will really go.
- Is a single visit eligible, or only a pass or regular activity?
- Does the proof of purchase have to reach a minimum value?
- Is a preventive check-up required, and has it already been recorded in the system?
- How old can the proof of purchase be when you apply?
- Do you apply through the app, a branch, or a form?
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An employee benefit is not a legal obligation
An employer may offer a sports benefit, but it is not an automatic entitlement for every employee. Tax rules set the framework for non-cash benefits; the actual offer, budget, employee contribution and provider network are determined by the company.
MultiSport works through a partner network and the rules of the specific membership. Before visiting, check whether the given branch and service accept the card, whether an extra payment is required, and how often the entry can be used. At ARENA GYM, current acceptance and any extra charges are governed by the price list and on-site conditions.
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How to turn a benefit into regular training
The cheapest entry is the one that leads to regular exercise. If you are just starting out, a few single visits or a coached session may be more sensible than a long membership bought only because someone contributes towards it. Only once you know your real frequency does it make sense to compare the numbers on a pass.
Neither a health insurer nor a benefit card will choose the right training for you. But they can lower the barrier in the first few weeks. Use them to build a routine you can repeat, not to buy a service that does not fit into your week.
How to use a fitness contribution without making avoidable mistakes
- 1
Check the current scheme
Log in to your insurer’s or employer’s app or website and check the amount, eligible activities, age limits, preventive requirements and deadline.
- 2
Choose an eligible product
Find out whether the scheme accepts a single entry, a pass, a course, or only regular activity above a certain minimum price.
- 3
Ask for the right proof of purchase
Keep a clear receipt or invoice showing the date, amount and service description. If the scheme requires the insured person’s name, sort that out at the time of purchase.
- 4
Submit the application on time
Upload the proof of purchase through the required channel and do not wait until the end of the year. Some funds may have their own deadlines or a limited budget.
Common questions
Does my employer have to contribute towards fitness?
No. The tax limit sets the conditions under which a non-cash benefit may be tax-exempt, but it does not oblige an employer to provide a fitness contribution. That depends on the company’s internal benefits scheme.
Is a receipt from a gym enough for the insurer?
It depends on the insurer and the specific scheme. You often need a preventive check-up, proof of payment, a minimum pass value, or to apply through the app. Check the conditions before you buy.
Is MultiSport the same as a health insurer contribution?
MultiSport is an employee benefit with its own rules and partner network. A health insurer contribution is usually a reimbursement of part of an eligible expense. One option does not automatically rule out the other, but you should not try to claim the same receipt twice without checking first.
What is the safest way to go about it?
First check the scheme conditions and whether the specific service is eligible. Then buy a suitable entry or pass, keep a clear proof of purchase, and apply within the stated deadline. If a scheme changes, the current wording in the insurer’s app or on its website takes priority.
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A benefit should support consistency, not decide for you
The biggest saving does not come from finding a single coupon, but from combining the right scheme with a routine you will actually use. First choose how you want to train and how often, then look for the benefit that fits it.
If you want to get started at ARENA GYM, check before buying which entries or passes match the conditions of your insurer or employer. We can issue a standard proof of purchase at reception, but eligibility for reimbursement is always assessed by the benefit provider.
Sources
Author: ARENA GYM Updated: 18 August 2026